FNBLI

CONSUMER LENDING INTEREST RATES*

EFFECTIVE AS OF SEPTEMBER 2010

	Amounts	*Preferred Rate/A.P.R.**	Standard Rate/A.P.R.
FNBLI Passbook 12-36 Months	$1,500-$50,000	6.500%	7.000%
FNBLI Passbook 48-60 Months	$1,500-$50,000	7.375%	7.875%
FNBLI CD's 12-36 Months	$2,500-$50,000	7.900%	8.400%

* Preferred rates with automatic deduction of payment from your First National Bank of Long Island Personal Checking account.

	Amounts	*Preferred Rate/A.P.R.**	Standard Rate/A.P.R.
12-36 Months	$1,500-$10,000	10.750%	11.750%

* Preferred rates with automatic deduction of payment from your First National Bank of Long Island Personal Checking account.

	Amounts	*Preferred Rate/A.P.R.**	Standard Rate/A.P.R.
24 Months	$2,500-$50,000	5.50%	6.00%
36 Months	$2,500-$50,000	5.95%	6.45%
48 Months	$10,000-$50,000	6.25%	6.75%
60 Months	$10,000-$50,000	6.50%	7.00%

* Preferred rates with automatic deduction of payment from your First National Bank of Long Island Personal Checking account.

	Amounts	*Preferred Rate/A.P.R.**	Standard Rate/A.P.R.
12-36 Months	$2,500-$25,000	6.50%	7.00%
48 Months	$2,500-$25,000	6.90%	7.50%
60 Months	$2,500 - $25,000	7.50%	7.90%

* Preferred rates with automatic deduction of payment from your First National Bank of Long Island Personal Checking account.

	Amounts	*Preferred Rate/A.P.R.**	Standard Rate/A.P.R.
12-24 Months	$2,500-$25,000	7.50%	8.00%
36-60 Months	$5,000-$25,000	8.50%	9.00%
72-84 Months	$7,500-$25,000	9.50%	10.00%

* Preferred rates with automatic deduction of payment from your First National Bank of Long Island Personal Checking account.

	Amounts	Preferred Rate/A.P.R.	Standard Rate/A.P.R.
** No-Cost Primeline	$25,000 to $500,000	4.25%	4.50%

* Preferred rates with automatic deduction of payment from your First National Bank of Long Island Personal Checking account.

*The Preferred APR for variable rate advances is as low as Prime plus 1.00% on Lines of Credit of $25,000-$500,000. The APR is indexed to the highest prime rate as published by the Wall Street Journal as of the first business day of each month. The APR may vary each month based upon changes to the index. The Preferred APR is received due to the automatic payment deduction from a First National Bank of Long Island Statement Deposit Account. If the automatic payment deduction is terminated for any reason, the APR will increase by 0.25%. Borrowers must advance a minimum of $50,000 within 90 days of closing or the APR will increase by 0.25%. An annual membership fee of $50.00 will be assessed at the end of each year. If the line of credit is terminated prior to three years from inception, certain fees will become due and payable. These fees generally range from $722 to $4,447. Home Equity Lines of Credit are secured by a mortgage on your home and are subject to application and credit approval. Maximum loan to value is 65%. Maximum lifetime APR is 24.9% APR. Primary residence and second homes only. No Co-ops or Investment Properties. Other Rates and Terms are available. New Applicants only. Rate is effective March 23, 2010 and is subject to change without notice.

A.P.R. = Annual Percentage Rate

	Amount	Preferred Rate/A.P.R.	Standard Rate/A.P.R.
* 5 Year	To $500,000	5.990%	6.490%
* 9 Year	To $500,000	6.750%	7.250%
* 12 Year	To $500,000	7.000%	7.500%

*Annual Percentage Rate (APR) shown is fixed for the term of the loan with payments automatically deducted from a First National Bank of Long Island deposit account. APR is 0.50% higher for loans without automatic deduction. Home Equity Loans are secured by a first or second mortgage on your home and are subject to application and credit approval. For loans longer than 5 years, if the line is terminated prior to three years from inception, certain third party fees will become due and payable. These fees generally range from $722 to $4,447.00. Primary residence and second homes only. No Co-ops or Investment Properties. Other Rates and Terms available. Consult a tax advisor about deductibility of interest. New applications only. Rates effective March 23, 2010 and are subject to change without notice.

A.P.R. = Annual Percentage Rate

CONSUMER LENDING INTEREST RATES*EFFECTIVE AS OF SEPTEMBER 2010

CONSUMER LENDING INTEREST RATES*

EFFECTIVE AS OF SEPTEMBER 2010